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The SBI Card’s Shop & Smile Rewards Structure allows you to accumulate maximum points on various transactions you complete using the card. Depending on the card you choose, you can earn these points and redeem them for various vouchers, deals, and discounts.

Rewards on Top SBI Credit Cards

If your goal is to accumulate maximum rewards, here are some of the top SBI credit cards you can choose from:

SBI Credit Card

Reward Details


  • 2 points on every ₹100 spent, except for fuel

  • 5X points on grocery, dining, and departmental store spends

  • Welcome e-voucher worth ₹5,000


  • 10 reward points for every ₹100 spent on groceries, dining, and more

  • Welcome e-voucher worth ₹3,000

  • 20 points on every ₹100 spent on your birthday

SBI SimplyCLICK Credit Card

  • 10X points on online spends at select outlets and 5X on other online spends

  • 1 point for every ₹100 spent on other transactions

  • Amazon gift card worth ₹500 on annual fee payment

SBI SimplySAVE Credit Card

  • 10 reward points for every ₹150 spent on movies, dining, grocery, and departmental stores

  • 1 point for every ₹150 spent on other transactions

  • 2,000 bonus points if you spend ₹2,000 or more in the first 60 days

Disclaimer: The above details are subject to change at the issuer’s discretion.

SBI Credit Card Rewards Catalogue

You can redeem your SBI credit card reward points by purchasing products from the rewards catalogue offered by the bank. You can choose items from various categories, such as:

  • Electronics

  • Accessories

  • Entertainment & Dining

  • Health & Fitness

  • Apparel & Superstore

  • Homeware

  • Lifestyle

  • Luxury

  • Travel & Holiday


The timeline of redemption will vary depending on how you redeem the points. If you redeem your SBI credit card points for e-vouchers, they may be delivered within 5 calendar days. But if you choose gifts, the delivery period can go up to 15 calendar days. So, plan your redemption accordingly.

How to Earn SBI Credit Card Rewards

The number of SBI credit card rewards you can earn depends on the card you have. To view your reward structure, follow these steps:

  1. Visit the SBI Card rewards page 

  2. Choose your credit card type

  3. Go to the ‘Terms & Conditions’ 

  4. Click on ‘Shop-and-Smile’ reward program

  5. Check the reward structure under ‘Points Earned/Accumulated/Redeemed In The Program’

How to Check SBI Credit Card Rewards

Keeping track of your SBI credit card points will help you use them efficiently. To check your rewards, you can try any of the following options:

  1. Check your credit card statement or log on to the SBI Card mobile app

  2. Log in to the SBI Card website and click on ‘Dashboard’

  3. Chat with ILA by logging into your account through the website

  4. Send ‘REWARDS XXXX’ to 5676791 through the registered number

  5. Note the XXXX refers to the last 4 digits of your card

  6. Give a missed call on 8422845514 from your registered mobile number

How to Redeem SBI Credit Card Rewards

You can redeem your accumulated SBI credit card reward points through the SBI Card mobile app or the website. Once you log on to your preferred mode, redeem your SBI credit card points by following these steps: 

  1. Navigate to the ‘Rewards’ section on the website or app

  2. Click on ‘Redeem Rewards’ and browse through the catalogue

  3. Select the product of your choice and click on ‘Redeem’

  4. Confirm the transaction to complete the redemption process

Frequently Asked Questions

What is the value of 1 SBI credit card reward point?

The value of your SBI credit card points depends on the card you have. For instance, for SBI ELITE, PRIME, and SimplySAVE, 4 points equal to ₹1. Here 1 reward point is equal to ₹0.25 paisa. You can check the value through the website, mobile app, or customer care.

How are SBI credit card reward points calculated?

The calculation of your points depends on the reward structure for the card you use. For instance, if you have an SBI SimplySAVE credit card, you can earn 10 points for every ₹150. If you spend ₹1,500 and all of it is eligible for rewards, you will earn 100 points ([1500/150]*10). Remember that this will vary depending on your card and bank’s policies.

How to convert SBI credit card points to cash?

To redeem your SBI credit card reward points against cash, you can call the bank’s helpline. You can also send them a request through the ‘Email Us’ link under the ‘Contact Us’ tab on the website.

Do SBI credit card reward points expire?

Yes, these points have an expiry period of 2 years, i.e., 24 months from the date of accrual. You can check the validity of your points through your statement or by logging into your account through the website or mobile app.

How to convert SBI Credit Card rewards into air miles?

If you have an Air India SBI Credit Card, you can convert the accumulated points to Air India Air Miles. Contact the SBI Card helpline numbers 1860 180 1290 or 39020202 (add the local STD code) to raise a request.

What are the transactions that are not eligible for SBI Credit Card rewards?

You can earn SBI credit card reward points on almost all transactions. However, there are some instances when you cannot enjoy rewards, such as:

  • Cash advances (Domestic and Foreign)

  • Balance Transfers, Balance Transfers on EMI

  • ATM Withdrawals

  • Easymoney

  • Encash

  • Dial a Draft

  • Financial charges 

  • Payments at fuel stations

  • Charges incurred before the enrolment date

  • Card Protection Plan charges


You can get a detailed list of transactions not valid for reward points on the SBI Card website. Having this information will help you optimise your spends and maximise your rewards.

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